PERAN INFORMASI AKUNTANSI DALAM ANALISIS PEMBERIAN KELAYAKAN KREDIT PADA USAHA MIKRO (Studi Pada Bank CIMB Niaga Mikro Laju Unit Mojosari)
Daftar Isi:
- Micro enterprises play an important role in economic development, but the constraint is the lack of capital owned. To overcome the capital constraints of micro business owners can apply for a loan at a bank, Bank CIMB Niaga One Micro rate. Credit analysis is an assessment of the prospective customers who will apply for credit, new credit application Neither, Nor extension of credit. There are several principles that credit scoring is often done by using 5C aspects, namely: Character, Capacity, Capital, Collateral, and Condition of Economy and most importantly see accounting information that a prospective customer will be given credit. This study uses descriptive qualitative research design. The subjects were Bank CIMB Niaga Mikro rate Mojosari Unit and its object is the role of accounting information in the analysis of the feasibility of granting credit to micro-enterprises. Based on the results of research in the know that the use of the role of accounting information and 5C aspect in any analysis of the loan application is an absolute must and should be done to determine the decision of acceptance or rejection of a credit. Keywords: Analysis of Credit and Micro